Right! It's not that stable coins are decentralized, it's that the centralized holder is not in your jurisdiction and so your jurisdiction can't deface their money!
The only bad thing with USD based stable coin is you have to trust that the USA will keep paying its debts longer than you hold the stable coin.
The only bad thing with USD based stable coin is you have to trust that the USA will keep paying its debts longer than you hold the stable coin.